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Trust Industrial Bank, Performance and Condition Ratios
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2035% | 7,964 |
| Cost of funding earning assets | 0.1706% | 8,039 |
| Net interest margin | 3.0329% | 6,509 |
| Noninterest income to average assets | 3.4904% | 187 |
| Noninterest expense to average assets | 6.4194% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0255% | 5,659 |
| Return on assets (ROA) | 0.5328% | 3,942 |
| Pretax return on assets | 0.8311% | 3,441 |
| Return on Equity (ROE) | 5.2573% | 3,857 |
| Retained earnings to average equity (ytd only) | -26.1521% | 7,513 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4038% | 1,089 |
| Assets per employee ($millions) | 2.8089% | 6,635 |
| Cash dividends to net income (ytd only)* | 597.4395% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 89.3898% | 1,021 |
| Equity capital to assets | 9.8316% | 4,312 |
| Core capital (leverage) ratio | 9.4195% | 4,022 |
| Tier 1 risk-based capital ratio | 16.8256% | 2,325 |
| Total risk-based capital ratio | 16.8256% | 2,715 |
| Memoranda: | ||
| Average total assets | $879,582,500 | 780 |
| Average earning assets | $860,630,250 | 715 |
| Average equity | $89,143,000 | 734 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 7,631 |
| Cost of funding earning assets | 0.1825% | 8,130 |
| Net interest margin | 4.3038% | 1,644 |
| Noninterest income to average assets | 3.0942% | 204 |
| Noninterest expense to average assets | 6.6773% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4149% | 4,444 |
| Return on assets (ROA) | 1.1530% | 1,687 |
| Pretax return on assets | 1.7983% | 853 |
| Return on Equity (ROE) | 11.2777% | 1,620 |
| Retained earnings to average equity (ytd only) | -34.0230% | 7,745 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1903% | 1,712 |
| Assets per employee ($millions) | 2.8910% | 6,415 |
| Cash dividends to net income (ytd only)* | 401.6832% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 89.8216% | 905 |
| Equity capital to assets | 9.4291% | 4,703 |
| Core capital (leverage) ratio | 9.0619% | 4,532 |
| Tier 1 risk-based capital ratio | 15.7332% | 2,716 |
| Total risk-based capital ratio | 15.7332% | 3,199 |
| Memoranda: | ||
| Average total assets | $906,863,330 | 777 |
| Average earning assets | $890,936,000 | 706 |
| Average equity | $92,713,670 | 717 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 6,788 |
| Cost of funding earning assets | 0.2068% | 8,179 |
| Net interest margin | 4.8448% | 554 |
| Noninterest income to average assets | 2.1165% | 328 |
| Noninterest expense to average assets | 6.3453% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3400% | 5,115 |
| Return on assets (ROA) | 0.3400% | 5,297 |
| Pretax return on assets | 0.5303% | 4,975 |
| Return on Equity (ROE) | 3.2122% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.2122% | 4,081 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2871% | 1,546 |
| Assets per employee ($millions) | 3.0891% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 88.6038% | 1,422 |
| Equity capital to assets | 10.7375% | 3,251 |
| Core capital (leverage) ratio | 10.3881% | 3,038 |
| Tier 1 risk-based capital ratio | 34.7243% | 446 |
| Total risk-based capital ratio | 34.7243% | 473 |
| Memoranda: | ||
| Average total assets | $935,313,000 | 753 |
| Average earning assets | $918,759,000 | 687 |
| Average equity | $98,998,500 | 679 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3926% | 7,470 |
| Cost of funding earning assets | 0.3663% | 8,209 |
| Net interest margin | 5.0263% | 478 |
| Noninterest income to average assets | 5.3866% | 116 |
| Noninterest expense to average assets | 9.8705% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2405% | 5,731 |
| Return on assets (ROA) | 0.2405% | 5,549 |
| Pretax return on assets | 0.3912% | 5,283 |
| Return on Equity (ROE) | 2.2451% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.2451% | 3,813 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1880% | 1,143 |
| Assets per employee ($millions) | 2.6490% | 6,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 88.3621% | 1,310 |
| Equity capital to assets | 10.4323% | 3,579 |
| Core capital (leverage) ratio | 10.3347% | 3,137 |
| Tier 1 risk-based capital ratio | 33.6671% | 488 |
| Total risk-based capital ratio | 33.6671% | 519 |
| Memoranda: | ||
| Average total assets | $746,723,000 | 898 |
| Average earning assets | $724,254,400 | 843 |
| Average equity | $79,995,000 | 835 |
| Average total loans | NA | NA |